KR100515129B1 - Annexed apparatus and annexed board for dealing terminal on credit - Google Patents

Abstract

The terminal attachment device of the present invention includes a security module for authenticating the authenticity of an electronic money card, a pin pad for inputting a password from a user, a terminal interface for performing data communication with a credit terminal, and an IC card. An IC interface unit for performing data communication, a memory for storing electronic money transaction history, and a control unit for performing an IC card PIN (Personal Identification Number) inquiry during a credit transaction of a terminal and performing an electronic money transaction It is done.

Description

ADDITIONAL EQUIPMENT AND ADDITIONAL BOARDS FOR CREDIT TRADING TERMINALS {ANNEXED APPARATUS AND ANNEXED BOARD FOR DEALING TERMINAL ON CREDIT}

Credit terminals (VAN terminals, POS terminals) used for credit transactions using credit cards have been widely used since the arrival of credit cards. The basic credit terminal reads the card number recorded on the magnetic strip of the credit card, and checks the value of the credit card on the credit server through the wire communication means.

However, in recent years, great questions have been raised about the safety of credit cards by magnetic strips, and IC card type credit cards with enhanced security have emerged. An IC card type credit card is a credit card implemented in a plastic card (IC card) with a smart chip having a self-operating function. Credit card information is stored in the smart chip and is encrypted and transmitted when transmitted externally. The risk of spillage is reduced. The IC card is widely used not only as a credit card but also as a prepaid / postpaid electronic money that gives a value of money to specific data.

IC card-type electronic money is a form of electronic money that stores data that is treated as a monetary value in the IC, and differs from credit transactions that approve a certain transaction amount after credit inquiry in that the data stored in the IC itself is treated as a value. There is. In other words, credit transactions are settled later by the user according to the details of credit transactions, but IC card type electronic money is an electronic wallet that charges and uses data having a currency value in the IC first. When using IC electronic money, the ICD subtracts monetary value data by the amount of the transaction and draws up the transaction details. In IC card type electronic money, settlement between business operators is performed by transaction history, but it has the advantage that transaction processing is possible even when terminal and server are offline based on the currency value stored in IC. The possibility of making electronic money transactions even offline is due to the security module installed in the electronic money terminal. The security module is an independently separated microcontroller module. The security module has a security key therein to encrypt / decrypt external input data and output the same. This security module is called SAM (Secure Access Module), the security module for payment processing is called PSAM, and the security module for charging electronic money is called LSAM.

Currently, the user may use an existing magnetic card type credit card, an IC card type credit card, or an IC card type electronic money. In this situation, the affiliated store does not have to install all magnetic card type credit terminal, IC card type credit terminal, and IC card type electronic money terminal. It would be desirable to have a terminal. This will also have the effect of reducing infrastructure construction / maintenance costs for VANs and electronic money companies that install terminals.

In order to achieve this object, an integrated integrated terminal has been manufactured even before the present invention. By the way, the conventional magnetic credit terminal has reached 2 million units in Korea alone, and if all the conventional magnetic credit terminal is discarded and replaced with a new integrated terminal, it will not only cost astronomical amount but also due to the discarded existing terminal. Problems of environmental pollution also occur.

Among the credit terminals that are widely spread in the related art, there are already many that can use IC-type credit cards. However, the IC card type electronic money and IC card type credit card are similar in appearance, but the data storage and internal processing procedures are different from each other. Can not be implemented to accept IC card type electronic money only by changing the firmware. Even in this case, in the conventional implementation, in order to accommodate the IC card type electronic money, a separate IC card electronic money terminal has to be installed, or an already installed IC card type credit transaction terminal has to be discarded and replaced with an integrated terminal.

The present invention has been made in order to solve the above problems, without changing the hardware configuration of the existing magnetic credit terminal, by connecting with the existing terminal credit card type credit card and pre-paid electronic money transaction is possible. Its purpose is to provide a trading terminal assistant.

The present invention has been made to solve the above problems, it is possible to add a credit card and credit card and pre-paid electronic money transactions by adding in the existing terminal without changing the hardware configuration of the existing magnetic credit terminal. The purpose is to provide a trading terminal auxiliary board.

Terminal attachment device of the present invention for achieving the above object, a security module for authenticating the authenticity of the electronic money card, a pin pad for receiving a password from the user, a terminal for performing data communication with the credit terminal The interface unit, the IC interface unit for performing data communication with the IC card, the memory for storing the electronic money transaction history, and the IC card PIN (Personal Identification Number) inquiry during the credit transaction of the terminal, perform the electronic money transaction. Characterized in that consisting of a control unit to perform.

The terminal auxiliary board of the present embodiment for achieving the above object, the security module for authenticating the authenticity of the electronic money card, the terminal interface for performing data communication with the credit terminal, and storing the electronic money transaction history And a control unit 24 for performing electronic money transactions.

(Example 1)

As shown in FIG. 2, the terminal attachment apparatus of this embodiment includes a security module 16 for authenticating authenticity of an electronic money card, a pin pad 17 for receiving a password from a user, a credit terminal, and data. A terminal interface 12 for performing communication, an IC interface 11 for performing data communication with the IC card, a memory 18 for storing electronic money transaction details, and a controller 14 It is characterized by.

The security module 16 is a part of the electronic money transaction is different from the credit transaction, through the security module to authenticate the authenticity of the user's electronic money card, and unlike the credit transaction allows the transaction even in the offline state.

The pin pad 17 is composed of numeric keys and several function keys, and is mainly provided to allow a user to directly input a PIN of his electronic money card or IC credit card.

The terminal interface unit 12 is a part connected to a credit terminal, and is characterized in that it exists as an independent device outside the credit terminal, and includes a serial communication device to perform communication through a serial port provided in the terminal. Do. In most conventional credit terminals, there is an extra serial communication port for communicating with an external device, which is used by the additional device of the present embodiment. In a special case, in the case of a credit terminal, which is a parallel port, a dedicated line, an Internet line, and the like, the terminal interface unit 12 may be configured as a corresponding device. Transmission technology for each port including the serial port will be omitted since it will be apparent to those skilled in the art.

Old credit terminals have only one communication port (usually a modem line) for credit inquiry and transaction history transmission as an external communication means. In order to apply the present embodiment to such a terminal, the terminal interface unit 12 includes a communication port control unit 120. The communication port control unit 120 is physically connected to one terminal and the other to the server side line. Programmatically bypasses communication between the terminal and the server, inputs the communication message sent from the terminal to the additional device as an additional device, and provides the communication message necessary for transaction processing only toward the terminal. send.

As an example of a concrete implementation of the above structure, as shown in FIG. 3, a buffer device which inputs and outputs data in three directions (terminal, additional device controller, server) and determines the output direction of data in accordance with a control signal. Data input from the terminal or server side communication line or the accessory device side data bus is once stored in the buffer 122. When the control signal points to the terminal, the data stored in the buffer 122 is output in the terminal direction A. When the control signal points to the additional device, the data stored in the buffer 122 is output to the additional device controller B, and the control signal. If it points to the server, it outputs in the server side direction (C). The control signal is controlled by the controller of the additional device. The data output in the terminal and server directions is processed to be suitable for the transmission line (for example, in the case of the modem line, the A / D converters 124 and 125 should be modulated into analog modem signals). On the contrary, the data received from the terminal and the server must be demodulated before being stored in the buffer 122.

In the case of transmission of transaction history during communication between the terminal and the server, a considerable time is required. In this case, it is preferable to implement the communication port connection switch 128 to directly connect the transmission channel data between the server and the terminal.

The IC interface unit 11 is for performing data communication with the IC card, and includes an IC contact pad having eight terminals for performing serial communication with the IC card.

The memory 18 is for storing transaction history of electronic money. In the case of a credit transaction, even if it is an IC card, the credit transaction is performed at the terminal, so the credit transaction is stored directly in the memory of the terminal. Electronic money transactions can also be sent to the terminal immediately after its creation and stored in the memory of the terminal. In this case, the electronic money transaction history recorded in the memory 18 of the additional device functions as backup data.

The control unit 14 is generally a CPU, which will be described below.

In the case of the IC card type credit card, as shown in FIG. 8, the additional device receives a notification from the terminal that a credit transaction of the IC card type credit card is performed (S102), and the IC card is input to the IC slot. Waiting (S104), if the IC card requests a PIN input after the IC card is input (S106) waiting for a user's PIN input (the user may request a PIN input from the visual / hearing device), Passing the PIN entered by the user to the IC card and waiting for approval (S108), and when the IC card approves the PIN, the terminal confirms the PIN approval signal and the credit card data (card number and expiration date, etc.) read from the IC card. It is made to the step (S110).

When the processing procedure for the IC credit card is described on the entire system including the server and the terminal, when the user presents the IC credit card after purchase, the terminal operator inputs the IC credit card transaction to the terminal. When the terminal requests the IC card input and approval to the additional device, the additional device notifies the terminal of the IC card approval from step S102 to step S110. The terminal receives a transaction amount from the operator and sends a credit inquiry to the server for the amount. When the authorization is denied from the server, the terminal displays the credit card available, prepares the transaction history, stores it in the internal memory, and outputs the transaction statement to the printer.

In order to prevent leakage of personal information, the credit card data transmitted from the IC card to the terminal through the additional device is preferably encrypted and transmitted. In this case, the encryption key is held by the IC card and a separate credit card security module inside the terminal.

In the case of an IC card type debit card, there is a difference in transaction history recorded with the inquiry server, which is similar to an IC card type credit transaction.

In the case of the IC card type electronic money, as shown in FIG. 9, the additional device receives a notification from the terminal that the IC card type electronic money transaction is performed (S132), and waits for the IC card to be input to the IC slot. Step S134, controlling the authenticity of the IC card to authenticate the authenticity of the IC card (S140), and if authenticity is authenticated, transmitting a usage approval signal to the terminal (S142), and the payment amount from the terminal. A step of receiving the input (S144), a request for payment processing for the payment amount received by the IC card (S146), and the step of storing the payment amount and details in the memory (S148). After the transaction history is stored, the terminal notifies the completion of the electronic money transaction (S149). When the transaction history is requested from the terminal (S152), the transaction history stored in the memory is transmitted to the terminal (S154).

In the case of IC card type electronic money, it can also be verified by receiving a PIN from the user before using the card. In the implementation including PIN verification, after the step S134, when the IC card is input, the IC card reads the open area of the IC card and waits for the user's PIN input when the IC card requests a PIN (S136). The user may be required to input a PIN), and a step S138 of waiting for the approval by transferring the PIN input by the user to the IC card is added. When the IC card approves the PIN, the process proceeds to step S140.

When the step S140 is described in detail, when a session is established between the IC card and the security module, the IC card and the security module produce a session key with their own security key. The IC card and the security module each generate a random number, encrypt it with the session key, and transmit it to the counterpart with the random number. On the receiving side, the encryption value is decrypted with the session key and compared with the received random number to authenticate the authenticity of the counterpart. .

In the above description, the terminal operator manually informs whether the card used by the operator is a credit card or an electronic money card through the terminal operation. However, depending on the implementation, the additional device may automatically determine the type of the card inserted into the IC card slot. It may be. In this case, the type of the card is determined by reading the open area of the IC card into which the additional device is inserted and formatting the recorded data. For example, the specific area of the public area of the IC card indicates the type of the card, and if it is determined that the inserted card is a credit card or an electronic money card, it performs steps S102 to S110 if it is a credit card, and if it is an electronic money card, S152. Perform step S184. In some cases, however, a single IC card may perform both a credit card and an electronic money card. In this case, the priority may be recorded in the IC card or the additional device, or the user may manually select the priority.

(Example 2)

Among conventional credit terminals, a number of terminals already implemented to allow IC card type credit transactions are also widely available. However, even in this case, most of the spread terminals can only use credit card transactions and not electronic money transactions.

The present embodiment provides a terminal auxiliary board that enables the electronic money transaction by additionally mounted on the IC card-type credit terminal as described above.

As shown in FIG. 4, the terminal auxiliary board of the present embodiment includes a security module (PSAM) 26 for authenticating authenticity of an electronic money card and a serial interface 22 for performing data communication with a credit terminal. ), A memory 28 for storing electronic money transaction details, and a control unit 24.

The security module 26 is a part of the electronic money transaction is different from the credit transaction, through the security module to authenticate the authenticity of the user's electronic money card, and unlike the credit transaction allows the transaction even in the offline state.

The serial interface unit 22 is a part connected to a credit terminal, and is provided as a board additionally mounted inside the credit terminal, and is provided with a communication cable connection device to connect to a spare serial port connection device of the board of the terminal. Is the easiest way to implement this. In the case of a general credit terminal, a serial communication port is provided for external communication, and a connection pin exists on an internal board to connect to an external serial communication port, and the additional board of this embodiment is connected to this internal board connection pin. Use it. If there is no connection pin, connect it to the external serial port terminal as a connection terminal, and then install the cable by connecting the cable back into the terminal.

The memory 28 is for storing the transaction history of the electronic money. In the case of a credit transaction, even if it is an IC card, the credit transaction is performed at the terminal, so the credit transaction is stored directly in the memory of the terminal. Electronic money transactions can also be sent to the terminal as soon as they are created and stored in the memory of the terminal. In this case, the electronic money transaction history recorded in the memory 28 of the additional device functions as backup data.

For payment transaction of IC electronic money, communication must be made between IC electronic money and security module. Data communication is performed between the security module and the IC electronic money in the form of a packet with a message authentication message (MAC). The verification of the signature value is a kind of authentication (internal authentication). Due to the physical structure, the IC electronic money and the security module cannot directly communicate with each other, but the communication is performed through the intermediate process of the IC electronic money-terminal control unit-communication interface-additional board control unit-security module. However, since only IC digital currency and security module have a security key for signature verification, intermediate devices only serve to transfer data. Therefore, in order to use the additional board of the present invention, it is necessary to modify the firmware for setting the operation of the conventional terminal controller, but only a part for bypassing data of a specific format is added, so it is easy to change, and much more than changing the hardware. It is cheaper.

The control unit 24 relays data communication between the terminal and the security module 26, verifies a serial communication packet received from the terminal, verifies command data received from the terminal or the security module 26, Upon completing the electronic money payment processing from the security module, the electronic money transaction history is prepared and stored.

The controller 24 is implemented as a CPU to perform overall operation control of the additional board and the electronic money transaction processing protocol, and the operation thereof will be described with reference to FIG. 10.

Receiving a notification from the terminal that the IC card type electronic money transaction is performed (S202), allowing the security module to authenticate the authenticity of the IC card (S210), and if authenticity is transmitted, transmitting a usage approval signal to the terminal. Step (S212), receiving a payment amount from the terminal (S214), requesting the processing of the payment amount received by the security module and the IC card (S216), and the amount and details of the payment processing memory In operation S218, the process is performed. After the transaction history is stored, the terminal notifies the completion of the electronic money transaction (S219). When the transaction history is requested from the terminal (S222), the transaction history stored in the memory is transmitted to the terminal (S224).

When the step S210 is described in detail, when a session is established between the IC card and the security module, the IC card and the security module produce a session key with their own security key. The IC card and the security module each generate a random number, encrypt it with the session key, and transmit it to the counterpart with the random number. On the receiving side, the encryption value is decrypted with the session key and compared with the received random number to authenticate the authenticity of the counterpart. .

Depending on the type of electronic money, a PIN may be received from the user and verified before use. In this case, after step S202, the method further includes the step S205 of waiting for a successful PIN verification from the terminal. The additional board of the present embodiment is used for an IC credit card terminal, and the IC credit card terminal basically supports a PIN verification function when using a credit card. Perform PIN verification as a procedure.

Unlike the configuration of this embodiment of the terminal additional board, alternative configuration is also possible to connect the security module directly to the spare port and change the firmware of the terminal to perform electronic money transactions. Advantages of using the additional board of this embodiment as compared to this alternative configuration are as follows. First, various credit terminals have been released so far. In an alternative configuration, the electronic money processing part must be added to each terminal, and the cost increases as the number of terminals increases. On the other hand, the configuration of the present embodiment can be applied to all kinds of terminals as one additional board. Second, in theory, a security module (PSAM) can be connected to the serial communication port of the existing credit terminal CPU, but in reality, it is not easy to implement / match the electronic money communication protocol using only firmware for the existing credit terminal CPU. Third, there is a problem in terms of alternative security in terms of the security of the transaction that separates the credit provider and the electronic money company. The person who manufactures the firmware of the credit terminal knows the algorithm procedure of credit transaction and electronic money processing, which has a security policy problem that the credit provider and the electronic money company are separated. When the additional board of the present embodiment is implemented in an electronic money company, since the security algorithm of the electronic money enters the additional board, there is an advantage of separating each security officer of the credit inquiry and the electronic money.

In addition, in the configuration of the present embodiment, when there are a plurality of issuers of electronic money so that a security module exists for each issuer, all the security modules for each issuer are mounted on the additional board, and the controller of the additional board is input to the terminal. It determines which issuer with the data received from the electronic money card to form a communication session between the security module of the issuer.

5 shows a detailed implementation of the hardware structure of the additional board of this embodiment. In this embodiment, the security module is connected to the address bus and the data bus of the CPU serving as the additional board controller 24 through a smart IC interface (interface chip for communicating with the smart chip), and for storing transaction details. An external interface device for serial communication with memory (EEPROM, Flash Memory) is connected on the I / O port line of the CPU. In some implementations, the memory may be connected to the data bus and the address bus of the CPU. In this figure, PSAM is a specific example of the security module 26.

The advantages of this embodiment will be described with this figure. The CPU of the additional board of the present embodiment communicates with the controller (CPU) of the terminal through the serial port of the terminal, and the CPU of the additional board communicates with the PSAM through the data / address bus. In other words, the PSAM and the IC card are formed of "PSAM-(data / address bus)-additional board CPU-(serial communication)-terminal CPU-(terminal IC card interface)-IC electronic money card". That is, as an additional board composed of a PSAM, a CPU, a memory, and a serial interface, the CPU and the at least one PSAM are connected to perform a communication through a data / address bus, and the CPU and the credit terminal are required for electronic money processing. It is characterized in that connected to the serial communication channel including the serial interface to perform the message communication.

Figure 12 shows the implementation in the entire system consisting of the additional board, credit terminal, VAN server, electronic money server of the present embodiment. As shown, the IC electronic money card is connected to the terminal CPU through a card slot and an interface device, and the terminal CPU and the additional board CPU form a serial communication path. The I / O port of the terminal CPU is connected to the VAN server and the electronic money server through the modem interface device.

In the case of electronic money transaction history, if the terminal CPU decides to transmit the electronic money transaction history, the electronic board transaction request is transmitted to the additional board CPU, and the additional board CPU transmits the electronic money transaction history stored in the memory to the terminal CPU. . The terminal CPU may directly transfer the received electronic money transaction history to the electronic money server, but for safety purposes, the terminal CPU may temporarily transmit the received electronic money transaction in the terminal memory. In general, the VAN server and the electronic money server are separated. The final destination of the transmitted data can be specified at the time of transmission from the terminal CPU. Depending on its contents, it can be implemented to transmit separately to VAN server / electronic money server.

(Example 3)

This embodiment provides a terminal attachment device that can be connected to a conventional magnetic credit terminal, the IC card type credit transaction, IC card type electronic money transaction, RF card type electronic money transaction. RF card type electronic money is also referred to as contactless electronic money, compared to IC card type electronic money used in contact with a terminal, and is widely used as a prepaid / postpaid transportation card.

As shown in Fig. 6, the terminal attachment apparatus of the present embodiment is

A security module 36 for authenticating the authenticity of an electronic money card, a pin pad 37 for receiving a password from a user, a terminal interface 32 for performing data communication with a credit terminal, and an IC card. An IC interface unit 31 for performing data communication with the RF card, an RF interface unit 33 for performing data communication with the RF card, a memory 38 for storing electronic money transaction details, and a controller 34 Characterized in that consisting of.

The security module 36 is an electronic money transaction differs from a credit transaction. The security module 36 authenticates the authenticity of the user's electronic money card through the security module, and enables transactions even in an offline state unlike credit transactions.

The pin pad 37 is composed of numeric keys and several function keys, and is mainly provided to allow a user to directly input a PIN of his electronic money card or IC credit card.

The terminal interface 32 is a portion connected to a credit terminal, and has a communication device (serial or parallel communication device) in nature as an independent device outside the credit terminal, and communicates with a serial port provided in the terminal. It is desirable to perform.

The IC interface unit 31 is for performing data communication with the IC card, and includes an IC contact pad having eight terminals for performing serial communication with the IC card. The RF interface unit 33 is for performing data communication with the RF card, and includes an RF antenna and an RF modulation module for performing wireless communication with the RF card.

The memory 38 is for storing transaction details of IC card type and RF card type electronic money. In the case of a credit transaction, even if it is an IC card, the credit transaction is performed at the terminal, so the credit transaction is stored directly in the memory of the terminal. Electronic money transactions can also be sent to the terminal immediately after its creation and stored in the memory of the terminal. In this case, the electronic money transaction history recorded in the memory 38 of the additional device functions as backup data.

The operation of the controller 34 will be described below.

In the payment transaction processing procedure of the IC card type credit card (the same as the case of FIG. 8), the additional device receives a notification from the terminal that a credit transaction of the IC card type credit card is performed (S302), and the IC card is inserted into the IC slot. Waiting to be input (S304); reading the open area of the IC card when the IC card is input; waiting for the user's PIN input if the IC card requests a PIN (S306); PIN input may be required), and the user inputs the PIN to the IC card and waits for approval (S308). When the IC card approves the PIN, the PIN approval signal and the credit card data read from the IC card (card number) And validity period, etc.) to the terminal (S310).

The payment process for IC card type debit cards is similar to that of credit cards.

The additional device of the present embodiment can use both a contact IC electronic money card and a contactless RF electronic money card. The RF electronic money card and the contact IC electronic money card of the currently widely used traffic card differ slightly in their processing procedures. There is.

In the case of the contact IC electronic money card (the same as in the case of FIG. 9), the operation of the controller may include receiving a notification from the terminal that the card type electronic money transaction is performed (S332), and waiting for the IC card to be input into the IC slot. (S334), if the IC card is input, reads the open area of the IC card and waits for the user's PIN input when the IC card requests a PIN input (S336) and inputs the PIN to the user through the visual / audio device. (S338), and if the IC card approves the PIN, the security module controls the authenticity of the IC card to be authenticated (S340). And, if authenticity is authenticated, the step of transmitting a use approval signal to the terminal (S342), receiving a payment amount from the terminal (S344), and requesting the processing of the payment amount received by the IC card ( S346), the processed gold In step S348, the amount and the details are stored in the memory. After the transaction history is stored, the terminal notifies the completion of the electronic money transaction (S349). When the transaction history is requested from the terminal (S352), the transaction history stored in the memory is transmitted to the terminal (S354).

The operation of the control unit 34 for processing the RF electronic money card (the same as in the case of FIG. 11) may include receiving a notification from the terminal that the RF card type electronic money transaction is performed (S362), and the additional device is connected to the RF antenna. Waiting for the RF card to be detected (S364) and a PIN authentication similar to an IC card may be performed in the RF card, but a PIN authentication process does not exist in a general RF card type electronic money. At step S370, the module allows the module to approve the RF card (in the case of the currently widely used transportation card, after performing a schedule initialization procedure, the RF key value is read from the security module to determine whether the RF card storage area is accessible. Performing a mutual authentication process), transmitting a usage approval signal to the terminal when the RF card is approved (S372), receiving a payment amount from the terminal (S374), and the payment amount. Performing payment processing on the RF card (S376) (in the case of a transportation card, the value stored in the money value storage area is subtracted by the payment processing amount and stored in the money value storage area), and the amount and details of the payment processing are stored in memory; Storing in step S378. After the transaction history is stored, the terminal notifies the completion of the electronic money transaction (S379). When the transaction history is requested from the terminal (S382), the transaction history stored in the memory is transmitted to the terminal (S384).

In step S362 and step S332, the terminal notifies the type of the electronic money card, but according to the implementation, the terminal is notified of the processing of the card type electronic money only, and when the IC card is detected in the IC card slot, the IC card type electronic money transaction is performed. As soon as the RF card is detected on the RF antenna, it may be determined and processed as an RF card type electronic money transaction.

The security module 36 may be implemented as an integrated security module that processes both IC card type electronic money and RF card type electronic money. However, since the payment processing process of the IC card type electronic money and the RF card type electronic money is different, It is preferable that the IC security module performs payment processing of the IC card type electronic money and the RF security module performs payment processing of the RF card type electronic money. In the case of a separate implementation, the security modules of steps S332 to S354 are IC security modules, and the security modules of steps S362 to S384 are RF security modules.

The postpaid RF card type transportation card, which is widely used at present, may also be applied as an additional device of this embodiment. In this case, the general prepaid RF card type transportation card is similar to the processing procedure, but there are only differences in that transaction details are stored separately and post-payment transactions add up to the balance of the RF card.

(Example 4)

The present embodiment provides a terminal attachment device capable of accepting an RF card type electronic money transaction by connecting to a conventional magnetic terminal and an IC card credit transaction terminal.

As shown in Fig. 7, the terminal attachment apparatus of this embodiment,

RF security module 43 for authenticating the authenticity of the RF electronic money card, a terminal interface unit 42 for performing data communication with a credit terminal, and an RF interface unit for performing data communication with an RF card ( 43, a memory 48 for storing electronic money transaction details, and a controller 44.

The security module 46 is an electronic money transaction differs from a credit transaction. The security module 46 authenticates the authenticity of a user's electronic money card through the security module, and enables transactions even in an offline state unlike credit transactions.

The terminal interface 42 is a portion that is connected to the credit terminal, it is preferable to have a serial communication device, and to communicate with the serial port provided in the terminal, due to the characteristics that exist as an independent device outside the credit terminal. Do. Of course, depending on the terminal, a parallel port or other means can be used.

The IC interface unit 41 is for performing data communication with the IC card, and includes an IC contact pad having eight terminals for performing serial communication with the IC card. The RF interface unit 43 is for performing data communication with the RF card, and includes an RF antenna and an RF modulation module for performing wireless communication with the RF card.

The memory 48 is for storing transaction details of IC card type and RF card type electronic money. In the case of a credit transaction, even if it is an IC card, the credit transaction is performed at the terminal, so the credit transaction is stored directly in the memory of the terminal. Electronic money transactions can also be sent to the terminal as soon as they are created and stored in the memory of the terminal. In this case, the electronic money transaction history recorded in the memory 48 of the additional device functions as backup data.

Referring to Figure 11 describes the operation of performing the payment processing in the RF card-type electronic money of the controller 44 as follows.

The control unit 44 is notified that the RF card type electronic money transaction is performed from the terminal to process the RF electronic money card (S462), and the additional device waits for the RF card to be detected at the RF antenna (S464). (In case of RF card, PIN authentication similar to IC card may be performed, but there is no PIN authentication process in general RF card type electronic money), and when RF card is detected, RF security module allows RF card to be approved. S470) (in the case of the currently widely used transportation card, after performing a schedule initialization procedure, the RF card is read from the security module to perform mutual authentication to determine whether the RF card storage area is accessible), and the RF card. Is approved, transmitting a usage approval signal to the terminal (S472), receiving a payment amount from the terminal (S474), and executing payment processing on an RF card with respect to the payment amount. Step S476 (in the case of the transportation card, the amount stored in the currency value storage area is subtracted by the amount of the payment processing amount and stored in the currency value storage area), and the step of storing the processed amount and the details in the memory (S478). Perform. After the transaction history is stored, the terminal notifies the completion of the electronic money transaction (S479). When the transaction history is requested from the terminal (S482), the transaction history stored in the memory is transmitted to the terminal (S484).

The postpaid RF card type transportation card, which is widely used at present, may also be applied as an additional device of this embodiment. In this case, the general prepaid RF card type transportation card is similar to the processing procedure, but there is a difference in that transaction details are stored separately.

In the description of the present invention and embodiments, the term is referred to as a credit terminal, but if it has the same structure as the credit terminal, the effects of the present invention also apply to additional devices and additional boards for electronic money transactions in CD / ATM devices or kiosk devices. The madness is natural.

Implementing the additional device according to the present invention has a useful effect of enabling both IC credit card transactions, IC electronic money transactions, and RF electronic money transactions by only connecting to a conventional credit terminal.

In some cases, it is necessary to modify the firmware of the conventional credit terminal, but since there is no change in hardware, the cost of replacing the credit terminal is greatly reduced.

By implementing the additional board according to the present invention, there is a useful effect of enabling IC electronic money trading by simply connecting to a conventional IC credit transaction terminal. At this time, the firmware of the conventional credit terminal must be modified, but since there is no change in hardware, the cost of replacing the credit terminal is greatly reduced.

1 is a view showing the appearance of a conventional credit terminal.

2 is a diagram showing the structure of a terminal attachment device according to a first embodiment of the present invention.

3 is a diagram showing the structure of a communication port control unit to which the present invention is added to the first embodiment.

4 is a view showing the structure of a terminal additional board of a second embodiment of the present invention.

FIG. 5 is a diagram showing the detailed hardware structure of the terminal attachment apparatus according to the second embodiment of the present invention.

6 is a diagram showing the structure of a terminal attachment device according to a third embodiment of the present invention.

7 is a diagram showing the structure of a terminal attachment device according to a fourth embodiment of the present invention.

8 is a flowchart illustrating a process of performing an IC credit transaction by the additional device of the first embodiment of the present invention.

9 is a flowchart illustrating a process of performing an IC electronic money transaction by the additional device of the first embodiment of the present invention.

10 is a flowchart illustrating a process of performing an IC electronic money transaction by the additional device of the second embodiment of the present invention.

11 is a flowchart illustrating a process of performing an RF electronic money transaction by the additional device of the fourth embodiment of the present invention.

12 is a diagram showing an electronic money and credit transaction system implemented using the first embodiment of the present invention.

Claims (6)

A terminal interface unit connected to a credit transaction terminal for magnetic credit card to perform data communication with the terminal, a security module for authenticating authenticity of an electronic money card, a pin pad for receiving a password from a user, an IC card, IC interface unit for performing data communication, memory for storing electronic money transaction history, and a control unit, When the inserted IC card is a credit card, the control unit Receiving a notification from the terminal that a credit transaction of the IC card type credit card is performed (S102), waiting for the IC card to be input from the IC slot (S104), and after the IC card is input, if the IC card requires PIN input. Waiting for the user's PIN input (S106), and transferring the PIN entered by the user to the IC card to wait for approval (S108), and if the IC card approves the PIN, the PIN approval signal and credit read from the IC card. Transmitting card data (card number and expiration date, etc.) to the terminal (S110); If the inserted IC card is an electronic money card, Receiving notification of the IC card type electronic money transaction from the terminal (S132), waiting for the IC card to be input into the IC slot (S134), and when the IC card is inserted, the security module controls the authenticity of the IC card to be authenticated. (S140), and if authenticity is verified, transmitting a usage approval signal to the terminal (S142), receiving a payment amount from the terminal (S144), and paying for the payment amount received by the IC card. Requesting processing (S146) and storing the processed amount and details of the payment in a memory (S148). It is inserted into the credit terminal for the magnetic credit card and consists of a serial interface for performing data communication with the terminal, a security module for authenticating electronic money authenticity, a memory for storing the electronic money transaction history, and a control unit. , The control unit relays data communication between the terminal and the security module, verifies a serial communication packet received from the terminal, verifies command data received from the terminal or the security module, and processes electronic money payment from the security module. Upon completion, the credit board terminal additional board, characterized in that for preparing and storing the electronic money transaction history. The method of claim 2, wherein the controller is configured to process an IC electronic money card. Receiving a notification from the terminal that the IC card type electronic money transaction is performed (S202), allowing the security module to authenticate the authenticity of the IC card (S210), and if authenticity is transmitted, transmitting a usage approval signal to the terminal. Step (S212), receiving a payment amount from the terminal (S214), requesting the processing of the payment amount received by the security module and the IC card (S216), and the amount and details of the payment processing memory Storing in step (S218) and notifying the terminal of the completion of electronic money transaction (S219), When the electronic money transaction history request is sent from the terminal, the electronic money transaction history stored in the memory is transmitted to the terminal through the serial interface. The method of claim 2 or 3, The security module is connected to the control unit via a smart IC interface device connected to the address bus and the data bus of the control unit, and an external interface device for serial communication with a credit terminal is connected on the I / O port line of the control unit. Credit terminal terminal additional board, characterized in that the. A terminal interface unit connected to a magnetic credit card type credit terminal for data communication with the terminal, a security module for authenticating authenticity of an electronic money card, a pin pad for inputting a password from a user, and an IC card And an IC interface unit for performing data communication with the RF card, an RF interface unit for performing data communication with the RF card, a memory for storing electronic money transaction details, and a controller, When the inserted IC card is a credit card, the control unit Receiving a notification that a credit transaction of the IC card type credit card is performed from the terminal (S302), waiting for the IC card to be input from the IC slot (S304), and after the IC card is input, if the IC card requires a PIN input Waiting for the user's PIN input (S306), and transferring the PIN entered by the user to the IC card to wait for approval (S308), and if the IC card approves the PIN, the PIN approval signal and credit read from the IC card. Transmitting card data (card number and expiration date, etc.) to the terminal (S310); If the inserted IC card is an electronic money card, Receiving notification that the IC card type electronic money transaction is performed from the terminal (S332), waiting for the IC card to be input into the IC slot (S334), and when the IC card is inserted, the security module controls the authenticity of the IC card to be authenticated. In step S340, if authenticity is verified, transmitting a usage approval signal to the terminal (S342), receiving a payment amount from the terminal (S344), and paying for the payment amount input to the IC card. Requesting processing (S346) and storing the processed amount and details of the payment in a memory (S348); When the payment processing is performed using the RF electronic money card, the control unit receives a notification from the terminal that the RF electronic money transaction is performed (S362), and the additional device waits for the RF card to be detected by the RF antenna (S364); When the RF card is detected, allowing the RF security module to approve the RF card (S370), when the RF card is approved, transmitting a usage approval signal to the terminal (S372), and receiving a payment amount from the terminal. Adding a credit terminal, performing step S374, executing payment processing in the RF card with respect to the payment amount (S376), and storing the processed amount and details in the memory (S378); Device. A terminal interface unit connected to a magnetic credit card type credit terminal and performing data communication with the terminal, an RF security module for authenticating authenticity of an RF type electronic money card, and an RF for performing data communication with an RF card It consists of an interface unit, a memory and a control unit for storing electronic money transaction history, In order to process the RF electronic money card, the control unit receives a notification from the terminal that the RF card type electronic money transaction is performed (S462), and the additional device waits for the RF card to be detected at the RF antenna (S464), and RF When the card is detected, the step of allowing the RF security module to approve the RF card (S470), and if the RF card is approved, transmitting a use approval signal to the terminal (S472), and receiving a payment amount from the terminal ( S474), executing the payment processing in the RF card with respect to the payment amount (S476), and storing the payment processed amount and details in the memory (S478).